Hi there, @Rozmore13.
Let me share insights about your concerns with the Commerce menu and where to apply for QuickBooks Business Loan and Credit Card.
The reason why you are no longer seeing the Commerce menu in your company file is that the product is no longer being supported. Right now, QuickBooks Online (QBO) allows you to connect or link your commerce application.
Moreover, I recommend you contact our Customer Care Team about QuickBooks Business Loans and Credit Cards. One of our dedicated team can discuss with you this matter and check on how you can qualify and apply for it.
Additionally, you can check out this article for Frequently Asked Questions (FAQs) along with its answer: Have a question about funding with QuickBooks Capital?
I’m always here to help if you have more questions about QuickBooks. Just add a reply to post them here. Have a good one!